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Sterling United Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.00%5-year CD60 Month CD
0.35%1-year CD12 Month CD
0.10%SavingsSpecial Share Savings

Overview / Commentary
812-425-0111
1330 W Franklin Street
Evansville, IN 47710

Sterling United Federal Credit Union is headquartered in EVANSVILLE and is the 46th largest credit union in the state of Indiana. It is also the 1,883rd largest credit union in the nation. It was established in 1956 and as of September of 2016, it had grown to 25 employees and 11,439 members at 5 locations. Sterling United Federal Credit Union has a B health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, volunteer or attend school in Vanderburgh or Warrick County, Indiana and to immediate family of current members.
See current membership details

Reviews (1)

Home banking with Sterling United federal credit union

Posted by: Irene | Nov 12, 2016

Sterling United Federal Credit Union in Evansville IN., is a decent place for regular online banking needs. I've been banking with them for 18 years and mostly my experiences have been pleasant, however, just recently they have switched to a newer mobile service, which sometimes make simple transactions, somewhat impossible. It would be nice if we could receive a text message when their servers are down for maintenance. I had one particularly nightmarish scenario, when the credit union decided to transition to their current online program on "Black Monday". I was not able to move money around to various accounts due to servers down. I called the bank on that particular morning and talked to a helpful person who assured me that the bank would not place any fees on my account due to the server issues. Other than the occasional blips I recommend this credit union, because there are no check fees and the new app is accessible anytime you need to transfer money or deposit a check using it's mobile app.



Health
B
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Sterling United Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #11273
Year Chartered1956
Employees25
Primary Regulator
Profit Margin
Return on Assets - YTD0.13%
Return on Equity - YTD1.36%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$74.0MM$67.9MM
LoansQ3 2016vs Q3 2015$57.4MM$58.6MM
DepositsQ3 2016vs Q3 2015$66.6MM$60.7MM
Equity CapitalQ3 2016vs Q3 2015$7.2MM$7.0MM
Loan Loss AllowanceQ3 2016vs Q3 2015$235.00K$206.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$740.00K$477.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Sterling United Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.30%$100-IRA Shares
0.30%$100-Roth IRA Shares
0.10%$100-Share Savings
0.10%$25-Christmas Club
0.10%$100-Special Share Savings

Sterling United Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-Check Plus Account
OTHER TIERS: 0.10% $500 - $10k | 0.15% $10k - $25k

Sterling United Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$1k-60 Month CD
1.70%$1k-48 Month CD
1.45%$1k-36 Month CD
0.75%$1k-24 Month CD
0.70%$1k-18 Month CD
0.35%$1k-12 Month CD
0.20%$1k-6 Month CD

Sterling United Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%$2,500-60 Month IRA Share Certificate
1.70%$2,500-48 Month IRA Share Certificate
1.45%$2,500-36 Month IRA Share Certificate
0.75%$2,500-24 Month IRA Share Certificate
0.65%$2,500-12 Month IRA Share Certificate
Locations


Sterling United Federal Credit Union Locations
Branch Office3900 WASHINGTON AVEEVANSVILLE, IN 47714-0550
Branch Office1212 SAINT GEORGE RDEVANSVILLE, IN 47711-2364
Branch Office5727 VOGEL RDEVANSVILLE, IN 47715-7298
Main Office1330 W FRANKLIN STEVANSVILLE, IN 47710-1028
Corporate Office1118 W FRANKLIN STEVANSVILLE, IN 47710-1112